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As a nonprofit Community Development Financial Institution (CDFI) lender, HomeSight is a certified financial institution that provides credit and financial services to communities and people who face obstacles to homeownership or have been historically denied the opportunity to own homes and build wealth.

As a nonprofit, we don’t measure success in profits but in creating strong, diverse communities throughout Washington state. We are invested in the community and invested in you.

If you’ve never bought a home before, or thought homeownership was out of reach, HomeSight can help. 

Take the first step to homeownership by creating an account in our Homebuying Portal.

As a nonprofit Community Development Financial Institution (CDFI) lender, HomeSight is a certified financial institution that provides credit and financial services to communities and people who face obstacles to homeownership or have been historically denied the opportunity to own homes and build wealth.

As a nonprofit, we don’t measure success in profits but in creating strong, diverse communities throughout Washington state. We are invested in the community and invested in you.

If you’ve never bought a home before, or thought homeownership was out of reach, HomeSight can help. 

Take the first step to homeownership by creating an account in our Homebuying Portal.

The Homebuying Journey:

Before you House Hunt …

House hunting is not the first step in buying a home. You need to be financially prepared and organized before you set out to find your dream home. When you step into the house you know you’ll call home, you’ll be ready to make an offer. 

HomeSight knows this first step can be intimidating, especially to first-time homebuyers. With HomeSight, you can learn and plan all from your smartphone. We offer the best of both worlds: a convenient, easy-to-use portal AND easy-to-reach, in-person service providers who know your name. Plus, we can offer purchase assistance to help you make a down payment.

STEP ONE:

JOIN THE HOMEBUYER PORTAL

HomeSight’s secure, free, easy-to-use Homebuyer Portal helps you stay informed and organized throughout the entire homebuying process: from your first exploratory questions to taking your keys, and beyond. Whether you’re scheduling an appointment with a counselor, registering for classes, uploading documents, making payments or monitoring your progress, the Homebuyer Portal gives you convenient access to all your information, from any device.

STEP TWO:

Schedule a free, financial assessment

Our financial counselors have deep expertise working with first-time home buyers and will equip you with the knowledge and resources you need to make sound homebuying decisions. We offer support at every step of the process. Our experts even tackle topics related to renting, homelessness, foreclosure prevention and more.

There are no questions too simple or too complex for our talented and knowledgeable advisers. At HomeSight, you get personal service. There’s no phone tree to navigate and you won’t wait on hold to speak with a person: simply use the Homebuyer Portal to make an appointment that’s convenient for you, and we’ll meet you where you are: online, in-person or over the phone.

STEP THREE:

Sign up for our free classes

Empower yourself and qualify for grants and loans by signing up for our free, convenient Zoom class, Homebuyer Education.

By the end of three, one-hour long sessions, you’ll get certified to qualify for grant and loan opportunities.

Through our financial counselors, classes, and online education tools, we can answer all your questions such as:

STEP FOUR:

START HOUSE HUNTING

Now that you’re equipped with a pre-approved price range, let the house hunting begin! With a real estate agent or a searchable website like Zillow, you can search online and in person.

STEP FIVE:

MAKE AN OFFER

When you find your home, you need to be ready to make an offer to the seller. Your offer should include the price you are willing to pay, the amount of your down payment, the contingencies you want to include (such as inspections and appraisals), the closing date, and any other terms you want to negotiate. HomeSight will work with you and your agent to help prepare a written offer and submit it to the seller’s agent.

STEP SIX:

SCHEDULE THE INSPECTION

In a heated housing market like Seattle’s, buyers sometimes waive their right to an inspection in their offer. We require an inspection. After your offer is accepted by the seller, you need to schedule a home inspection within the time frame specified in the contract: usually 10-15 days. A home inspection is a professional examination of the home’s physical condition by a licensed inspector. The inspector will check the structure, systems, appliances, and safety features of the home and provide you with a detailed report of any issues or defects they find. You can use this report to request repairs from the seller or renegotiate the price or terms of the contract.

STEP SEVEN:

SECURE YOUR FINANCING

Once you have a signed contract with the seller, return to HomeSight to finalize your mortgage loan. In this second-to-last step, we’ll need additional documents to verify your income, assets and more. With Compass, we’ve made this step hassle-free.

STEP EIGHT:

TAKE YOUR KEYS!

Our HomeSight experts love nothing more than the official handoff that gives you the keys to your new home. Congratulations on this major milestone! Please keep in touch by signing up for our newsletters here:

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Watch Client Impact Stories

Homeownership Matters. HomeSight Can Help.

Home ownership is the bedrock of wealth building in America, but for generations of people of color, this steppingstone to economic stability and prosperity has been set out of reach—not just culturally and socially but through written laws and housing covenants denying people equal rights to housing. At HomeSight, we believe home equity builds racial equity. Homeownership matters, and black homeownership matters.

HomeSight aims to reverse the damage caused by generations of racially restrictive housing policies, and help people take the keys to their own homes. We provide financial help, homebuyer education and a personalized pathway to your financially secure future.

VISIT HOMESIGHT'S HOMEOWNERSHIP CENTER

HomeSight is a NeighborWorks® HomeOwnership Center serving Washington state and has worked with families like yours since 1990, creating over 2,000 homeowners. We’re dedicated to helping homebuyers find a personalized path to homeownership, put down roots in their communities, and bring financial stability through the generation of wealth.

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